Oregon Auto Insurance: Get A Quote

What Is The Minimum Oregon Auto Insurance Requirements?

To legally drive in Oregon, you need to carry minimum auto insurance coverage. Here are the basics:


1. Liability insurance

This covers injuries or damage you cause to other people or their property. Oregon requires at least $25,000 per person for bodily injury, $50,000 per accident total, and $20,000 for property damage. You’ll want higher limits for more financial protection.

2. Uninsured motorist coverage

This protects you if an uninsured driver hits you. Oregon requires at least $25,000 per person and $50,000 per accident. Additional coverage is a good idea in case of major medical bills.

3. Comprehensive and collision

Comprehensive covers damage to your car from events like theft, vandalism or natural disasters. Collision covers damage from crashes. Neither are required but are recommended if your vehicle is newer or financed. Deductibles of $500-$1,000 can lower premiums.


4. Gap insurance

If your vehicle is totaled, gap insurance covers the difference between what you owe on the loan and your insurance payout. This isn’t required but can save you money if your vehicle is newer.

READ ALSO: How to Get the Cheapest Auto Insurance in Fort Collins

Tips for Getting the Lowest Auto Insurance Rates in Oregon

To find the lowest auto insurance rates in Oregon, follow these tips:

1. Compare Quotes From Multiple Companies

Don’t just go with the first insurance company you find. Compare free quotes from at least three to five top companies like State Farm, Geico, Progressive, Liberty Mutual and USAA. Prices can vary by hundreds of dollars between companies for the exact same coverage.


2. Boost Your Deductibles

Increasing your deductibles, the amount you pay out of pocket before insurance kicks in, can lower your premiums by up to 30% or more. See how much you can raise your deductibles for collision and comprehensive coverage before your next renewal. Make sure you have enough money set aside to cover the deductibles in case of a claim.

3. Drop Unnecessary Coverage

Review your policy to see if there are any coverages you’re paying for that you don’t really need. Things like roadside assistance, rental car reimbursement, and accident forgiveness are convenient but often not essential. Dropping them can save you money each month.

4. Pay Premium Annually Instead of Monthly

Most insurers charge slightly higher rates if you pay monthly instead of annually or semi-annually. Paying premiums in full for 6 or 12 months at a time can save you up to 10% per year. If needed, you can set up automatic payments from your bank account so you don’t forget or have to mail a check each time.

5. Maintain a Good Driving Record

Your driving record is one of the biggest factors in determining your auto insurance rates. Keep a clean record with no accidents, speeding tickets or DUIs to qualify for the best rates. Many companies offer safe driver discounts for those with a spotless record. Driving safely and obeying traffic laws is the best way to keep rates affordable over the long run.

Following these tips and shopping around at renewal time can help you find the most affordable auto insurance in Oregon.

Compare free quotes, increase deductibles when you can, drop unneeded coverage and pay premiums up front to maximize your savings.

Maintaining a safe driving record will also ensure you continue to qualify for the best rates year after year.

READ ALSO: How to Get the Cheapest Auto Insurance in Fort Collins

Top 5 Auto Insurers Offering Cheap Rates in Oregon

Some of the cheapest options in the state include:

1. State Farm

State Farm is the largest auto insurer in Oregon and across the U.S. They’re known for offering very competitive rates, especially if you bundle your auto policy with home or life insurance. State Farm has over 440 agents throughout Oregon, so you can easily find an agent in your local area.

2. Geico

Geico is another major company providing inexpensive auto insurance in Oregon. They are able to offer lower rates through their direct-to-consumer model, with no physical agent locations. Geico makes it easy to get a quick quote and sign up for a policy on their website or mobile app. They also provide a number of discounts for safe drivers, students, federal employees, and bundling multiple policies.

3. Progressive

Progressive is a popular national insurer that provides competitive rates in Oregon. They are known for their variety of discounts and bundling options to help drivers save money. Progressive allows you to get quotes and purchase auto insurance on their website, through their call center, or with a local agent.


If you or a family member has served in the military, USAA is an excellent option for affordable coverage. They offer special rates and discounts exclusively for military members, veterans and their families. USAA provides auto insurance in Oregon with highly rated customer service. However, you must meet their eligibility requirements to obtain a policy.

5. Liberty Mutual

Liberty Mutual offers auto insurance in Oregon with customized coverage and a range of discounts for safe drivers, students, home bundling, and more. They have over 70 insurance agents located throughout Oregon to provide local service and advice.

Liberty Mutual is committed to providing value and savings for their customers. Comparing quotes from multiple companies, including these top low-cost insurers, will help ensure you find the cheapest auto insurance rates in Oregon for your needs.


Oregon’s auto insurance requirements are really the bare minimum. For the best protection and peace of mind, aim for more extensive coverage with higher limits and smaller deductibles within your budget.

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